Employee Benefits Survey

Employee Benefits in the United States News Release

For release 10:00 a.m. (EDT) Friday, July 21, 2017 USDL-17-1013
Technical information: (202) 691-6199 ncsinfo@bls.gov www.bls.gov/ebs
Media contact: (202) 691-5902 pressoffice@bls.gov
EMPLOYEE BENEFITS IN THE UNITED STATES  MARCH 2017
Retirement and medical care benefits were available to 70 percent of civilian workers in March 2017,
the U.S. Bureau of Labor Statistics reported today. Ninety-four percent of union workers had access to
employer-sponsored retirement and medical care benefits. For nonunion workers, 66 percent had access
to retirement benefits and 67 percent to medical care benefits. (See chart 1 and tables 1 and 2.)
For civilian workers, the shares employers paid of medical care premium costs were 80 percent for
single coverage and 68 percent for family coverage. The employee and employer shares of premiums
also varied by bargaining status. Employers assumed 87 percent of the premium for single coverage for
union workers and 79 percent for nonunion workers. For family coverage, union workers had 80 percent
of the premium paid for by employers, whereas nonunion workers had 65 percent of the premium paid
by employers. (See chart 2 and tables 3 and 4.)
Fifty-nine percent of civilian workers had access to life insurance. Among union workers, 86 percent
had access to life insurance benefits and for nonunion workers the rate was 55 percent. Work schedule
also had an effect on availability of this workplace benefit. Seventy-five percent of full-time workers
had access to life insurance, and 13 percent of part-time workers had access. (See chart 1 and table 5.)
Table A. Selected employer-sponsored benefits: Access, participation and take-up rates, March 2017
(All workers = 100 percent)
___________________________________________________________________________________________________________________
Benefit Civilian Private industry State and local government
Access Participation Take-up Access Participation Take-up Access Participation Take-up
rates rates rates
-------------------------------------------------------------------------------------------------------------------
Retirement 70 54 77 66 50 75 91 80 88
Medical care 70 52 74 67 49 72 89 71 80
Life insurance 59 58 98 55 54 98 81 79 98
___________________________________________________________________________________________________________________
Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit
Terms" at www.bls.gov/ncs/ebs/glossary20162017.htm and the technical note.
Highlights of employer-sponsored benefits for private industry workers
* Among major occupational groups, access to retirement benefits ranged from 42 percent for
workers in service occupations to 82 percent for workers in management, professional, and
related occupations. (See table 1.)
* Eighty-five percent of full-time workers and 19 percent of part-time workers had access to
medical care benefits. (See table 2.)
* Participation rates in life insurance ranged from 12 percent for workers with an average wage in
the lowest 10 percent category to 85 percent for workers with an average wage in the highest 10
percent category. (See table 5.)
* For full-time workers, access to paid vacation was 91 percent and access to paid holidays was
90 percent. For part-time workers, the corresponding figures were 36 percent and 41 percent,
respectively. (See table 6.)
* The shares of medical care premiums paid by employees for single coverage ranged from 26
percent for workers with an average wage in the lowest 10 percent category to 20 percent for
workers with an average wage in the highest 10 percent category. For family coverage, the
shares ranged from 41 percent to 28 percent for the same two wage categories. (See tables 3 and
4.)
Highlights of employer-sponsored benefits for state and local government workers
* Among full-time workers, access to both retirement and medical care benefits was 99 percent.
Part-time workers' access to these benefits was 46 percent and 27 percent, respectively. (See
tables 1 and 2.)
* Fifty-eight percent of workers with average wages in the lowest 10 percent category and 82
percent in the highest 10 percent category participated in retirement benefits. For medical care
benefits, participation was 46 percent and 74 percent, respectively. (See tables 1 and 2.)
* Access to life insurance benefits was 70 percent in establishments employing 1 to 49 workers
and 86 percent in those employing 500 workers or more. (See table 5.)
* The shares of medical care premiums paid by employees for family coverage ranged from 40
percent for workers with an average wage in the lowest 10 percent category to 25 percent for
workers with an average wage in the highest 10 percent category. (See table 4.)
Additional Estimates Available Fall 2017
More information will be published September 22, 2017 on the incidence and provisions of health care benefits,
retirement benefits, life insurance, short-term and long-term disability benefits, paid holidays and vacations,
and other selected benefits. For more information on employer-sponsored benefits, see www.bls.gov/ebs.

TECHNICAL NOTE
Estimates in this release are from the National Compensation Survey (NCS), conducted by the U.S.
Department of Labor, Bureau of Labor Statistics (BLS). This news release contains March 2017
estimates on the incidence (access to and participation in) of selected employer-sponsored benefits and
the share of premiums paid by employers and employees for medical plans for civilian, private industry,
and state and local government workers in the United States. Workers in the civilian economy are
defined as those employed in private industry and state and local government. Excluded from the
civilian economy are workers employed in federal and quasi-federal agencies, military personnel,
agricultural workers, volunteers, unpaid workers, individuals receiving long-term disability
compensation, and those working overseas. In addition, private industry excludes workers in private
households, the self-employed, workers who set their own pay (e.g., proprietors, owners, major
stockholders, and partners in unincorporated firms), and family members paid token wages.
The NCS provides comprehensive measures of compensation cost levels and trends and also provides
benefits incidence estimates on the percentage of workers with access to and participating in employer-
provided benefit plans. The survey covers a broad range of benefits including holidays and vacations,
sick leave, life insurance, and detailed provisions for health care and retirement plans. Archived NCS
releases are available at www.bls.gov/ncs/ncspubs.htm.
Comparing private and public sector data: Incidence of employee benefits in state and local
government should not be directly compared to private industry. Differences between these sectors stem
from factors such as variation in work activities and occupational structures. Manufacturing and sales,
for example, make up a large part of private industry work activities but are rare in state and local
government. Administrative support and professional occupations (including teachers) account for two-
thirds of the state and local government workforce, compared with one-half of private industry.
Leave benefits for teachers: Primary, secondary, and special education teachers typically have a work
schedule of 37 or 38 weeks per year. Because of this work schedule, they are generally not offered
vacations or holidays. In many cases, the time off during winter and spring breaks during the school year
are not considered vacation days for the purposes of this survey.
Medical plan premiums: The estimates for medical plan premiums are not based on actual decisions
regarding medical coverage made by employees; instead they are based on the assumption that all
employees in the occupation can opt for single or family coverage. Monthly premiums are collected
when possible. Annual premiums are converted to monthly premiums by dividing by 12 months.
Sample rotation: The state and local government sample was replaced in its entirety for the March
2017 reference period. It was last replaced with the March 2007 reference period. The government
sample is replaced less frequently than the private industry sample. One-third of the private industry
sample is rotated each year except in years when the government sample is replaced.
Sample size: See appendix table 1 at the end of this release.
Survey scope: See appendix table 2 at the end of this release.
Geographic areas: Areas are defined by four census regions: Northeast, South, Midwest, and West.
Census divisions within the regions are defined as follows: New England: Connecticut, Maine,
Massachusetts, New Hampshire, Rhode Island and Vermont; Middle Atlantic: New Jersey, New York,
and Pennsylvania; South Atlantic: Delaware, District of Columbia, Florida, Georgia, Maryland, North
Carolina, South Carolina, Virginia, and West Virginia; East South Central: Alabama, Kentucky,
Mississippi, and Tennessee; West South Central: Arkansas, Louisiana, Oklahoma, and Texas; East
North Central: Illinois, Indiana, Michigan, Ohio, and Wisconsin; West North Central: Iowa, Kansas,
Minnesota, Missouri, Nebraska, North Dakota, and South Dakota; Mountain: Arizona, Colorado, Idaho,
Montana, Nevada, New Mexico, Utah, and Wyoming; and Pacific: Alaska, California, Hawaii, Oregon,
and Washington.
Standard errors: To assist users in ascertaining the reliability of benefits estimates, standard errors are
made available shortly after publication of the news release. Standard errors provide users a measure of
the precision of an estimate to ensure that it is within an acceptable range for their intended purpose. For
further information see www.bls.gov/ncs/ebs/nb_var.htm.
Obtaining information: For research articles on employee benefits, see the Monthly Labor Review
benefits section at www.bls.gov/opub/mlr/subject/b.htm and Beyond the Numbers: Pay and Benefits at
www.bls.gov/opub/btn/archive/home.htm. For further technical information, see Chapter 8, "National
Compensation Measures," BLS Handbook of Methods at www.bls.gov/opub/hom/pdf/homch8.pdf.
Definitions of major terms:
Access: Employees are considered to have access to a benefit plan if it is available for their use. For
example, if an employee is permitted to participate in a medical plan offered by the employer, but the
employee declines to do so, he or she is placed in a category with those having access to medical care
benefits.
Participation: Employees in contributory plans are considered participants in an insurance or retirement
plan if they have paid required contributions and fulfilled any applicable service requirements.
Employees in noncontributory plans are counted as participating regardless of whether they have
fulfilled the service requirements. Note that the term "incidence" can refer to either rates of access or
rates of participation in a benefit plan.
Take-up rate: The percentage of workers with access to a plan who participate in the plan.
Retirement benefits include defined benefit pension plans and defined contribution retirement plans.
Workers are counted as having access or participating in retirement benefits if they have access or
participate in at least one type of plan, defined benefit or defined contribution; some workers may have
access to or participate in both. Differences in retirement plan participation are influenced by type of
plan offered. Participation in defined benefit plans is often mandatory, subject to any applicable
eligibility requirements, while participation in defined contribution plans is often voluntary.
Medical care benefits provide services or payments for services rendered in the hospital or by a
qualified medical care provider.
Calculation details:
Average hourly earnings from sampled occupations within an establishment were used to produce estimates
for worker groups within six earnings categories: the lowest 10 percent, the lowest 25 percent, the
second 25 percent, the third 25 percent, the highest 25 percent, and the highest 10 percent. The
categories are based on unpublished March 2017 wages and salaries series from the Employer Costs for
Employee Compensation at www.bls.gov/news.release/archives/ecec_06092017.pdf.
The percentiles were computed using earnings and scheduled hours of work reported for individual
workers in sampled establishment jobs. Establishments in the survey are asked to report only individual
worker earnings for each sampled job. For the calculation of the hourly percentile values, the individual
worker hourly earnings are weighted and arrayed from lowest to highest. The values corresponding to
the percentiles are:
________________________________________________________________________________________________
Characteristics Hourly wage percentiles
10 25 50 (median) 75 90
------------------------------------------------------------------------------------------------
Civilian $10.00 $12.86 $19.23 $30.95 $47.02
Private industry $9.79 $12.25 $18.16 $29.44 $46.10
State and local government $13.19 $17.79 $26.50 $37.75 $51.18
________________________________________________________________________________________________
The lowest 10-percent and 25-percent wage categories include those occupations with an average hourly
wage less than the 10th percentile value and 25th percentile value, respectively. The second 25-percent
category includes those occupations that earn at or above the 25th percentile value but less than the 50th
percentile value. The third 25-percent category includes those occupations that earn at or above the 50th
percentile value but less than the 75th percentile value. Finally, the highest 25- and 10-percent wage
categories include those occupations with an average wage value greater than or equal to the 75th and
90th percentile value, respectively.
Individual workers can be in an earnings category that is different from the occupation into which they
are classified because average hourly earnings for the occupation are used to produce the benefit
estimates.
Information in this release will be made available to sensory impaired individuals upon request.
Voice phone: (202) 691-5200; Federal Relay Service: (800) 877-8339.

Appendix table 1. Survey establishment response, March 2017
Establishments Civilian Private industry State and local
governments
Total in sampling
frame(1).............. 6,211,244 5,978,422 232,822
Total in sample..... 11,400 9,802 1,598
Responding(2)..... 8,175 6,728 1,447
Refused(3)........ 2,149 2,009 140
Out of business or
not in survey scope... 1,076 1,065 11
1 The sampling frame was developed from state unemployment insurance reports and is based on
the 2012 North American Industry Classification System (NAICS). With some minor exceptions, an
establishment is a single economic unit that engages in one, or predominantly one, type of
economic activity. For private industry, the establishment is usually at a single physical
location such as a mine, factory, office, or store; if a sampled establishment is owned by a
larger entity with many locations, only the employment and characteristics of the establishment
selected for the sample are considered for the survey. For state and local governments, an
establishment can include more than one physical location, such as a school district or a police
department.
2 Establishments that provided data at the initial interview.
3 Establishments that did not provide data at the initial interview. Data for establishments
not responding at the time of update interviews are imputed. Detailed information on nonresponse
adjustment and imputation can be found in BLS Handbook of Methods, Chapter 8, National
Compensation Measures, Bureau of Labor Statistics, on the Internet at
www.bls.gov/opub/hom/pdf/homch8.pdf.
Source: Bureau of Labor Statistics, National Compensation Survey.

Appendix table 2. Number of workers represented,(1) March 2017
Occupational group(2) Civilian workers Private industry State and local
workers government workers
All workers........... 135,130,100 115,818,600 19,311,400
Management,
professional, and
related............. 41,997,200 30,926,300 11,070,900
Management,
business, and
financial......... 12,124,700 10,499,300 
Professional and
related........... 29,872,400 20,427,000 9,445,400
Teachers........ 6,873,700  5,126,600
Primary,
secondary, and
special
education
school
teachers...... 4,696,300  3,934,100
Registered
nurses.......... 3,141,400  
Service............. 29,105,500 25,183,000 3,922,400
Protective service 3,247,200 1,391,000 1,856,200
Sales and office.... 33,398,500 30,687,000 2,711,500
Sales and related 12,452,600 12,366,800 
Office and
administrative
support........... 20,945,800 18,320,200 2,625,700
Natural resources,
construction, and
maintenance......... 10,590,600 9,742,500 848,100
Construction,
extraction,
farming, fishing,
and forestry...... 5,124,400 4,641,700 
Installation,
maintenance, and
repair............ 5,466,200 5,100,800 
Production,
transportation, and
material moving..... 20,038,400 19,279,900 758,500
Production........ 9,640,600 9,519,300 
Transportation and
material moving... 10,397,800 9,760,500 
1 The numbers of workers represented by the survey are rounded to the nearest 100.
Estimates of the number of workers provide a description of the size and composition of
the labor force included in the survey. Estimates are not intended, however, for
comparison to other statistical series to measure employment trends or levels.
2 The 2010 Standard Occupational Classification system is used to classify workers.
Note: Because of rounding, sums of individual items may not equal totals. Dashes
indicate that no estimates for this characteristic are provided in this publication.
Source: Bureau of Labor Statistics, National Compensation Survey.